Zhang Financial 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
Vanguard Index Total Stock Market Etf	TOTAL STK MKT	922908769	31,799	304,878	SH		SOLE		0	0	304,878
iShares GSCI Commodity Indexed Trust	UNIT BEN INT	46428R107	441	31,025	SH		SOLE		0	0	31,025
iShares Russell 2000 Value Index Fd	RUS 2000 VAL ETF	464287630	22,525	244,999	SH		SOLE		0	0	244,999
iShares US Treas Inflation Protected	TIPS BD ETF	464287176	15,889	144,863	SH		SOLE		0	0	144,863
Exxon Mobil Corp	COM	30231G102	952	12,212	SH		SOLE		0	0	12,212
Stryker Corp	COM	863667101	2,986	32,125	SH		SOLE		0	0	32,125
iShares Gold Trust	ISHARES	464285105	7,780	760,476	SH		SOLE		0	0	760,476
Barclays Bank Plc Ipath Index Pfd	IPSPGS TTL ETN	06738C794	387	29,732	SH		SOLE		0	0	29,732
Berkshire Hathaway Inc De Cl A	CL A	084670108	1,385	7	SH		SOLE		0	0	7
United Parcel Service of America Cl B	CL B	911312106	306	3,182	SH		SOLE		0	0	3,182
iShares Tr 1 3 Yr Treasury Index Fd	1-3 YR TR BD ETF	464287457	3,371	39,959	SH		SOLE		0	0	39,959
Vanguard Intl Equity Index Total World	TT WRLD ST ETF	922042742	5,343	92,729	SH		SOLE		0	0	92,729
Vanguard SP 500 Index ETF	S&P 500 ETF SHS	922908363	3,041	16,267	SH		SOLE		0	0	16,267
Barclays Bank PLC Ipath Lkd Gldmn Sachs	IPSP CROIL ETN	06738C786	2,471	396,670	SH		SOLE		0	0	396,670
iShares MSCI EAFE Value Index Fd	EAFE VALUE ETF	464288877	8,931	191,978	SH		SOLE		0	0	191,978
W P Carey Inc	COM	92936U109	2,378	40,303	SH		SOLE		0	0	40,303
iShares SP Smallcap 600 Value Index	SP SMCP600VL ETF	464287879	959	8,864	SH		SOLE		0	0	8,864
Vanguard Index Vanguard Value Etf	VALUE ETF	922908744	1,987	24,376	SH		SOLE		0	0	24,376
Vanguard Index Vanguard Small Cap Value	SM CP VAL ETF	922908611	12,634	127,913	SH		SOLE		0	0	127,913
Vanguard Intl Equity Emerging Markets	FTSE EMR MKT ETF	922042858	3,071	93,873	SH		SOLE		0	0	93,873
iShares MSCI EAFE Index Fund	MSCI EAFE ETF	464287465	1,166	19,856	SH		SOLE		0	0	19,856
ConocoPhillips	COM	20825C104	526	11,268	SH		SOLE		0	0	11,268
iShares Dow Jones Select Div Index Fd	SELECT DIVID ETF	464287168	2,377	31,631	SH		SOLE		0	0	31,631
Xenia Hotels Resorts Inc	COM	984017103	477	31,100	SH		SOLE		0	0	31,100
Vanguard Index Reit Etf	REIT ETF	922908553	932	11,695	SH		SOLE		0	0	11,695
General Electric Company	COM	369604103	295	9,485	SH		SOLE		0	0	9,485
iShares Russell 3000 Index Fd	RUSSELL 3000 ETF	464287689	2,229	18,530	SH		SOLE		0	0	18,530
iShares SP National Municipal Bond Fd	NAT AMT FREE BD	464288414	1,992	17,996	SH		SOLE		0	0	17,996
Apple Inc	COM	037833100	631	5,995	SH		SOLE		0	0	5,995
Kellogg Company	COM	487836108	1,129	15,620	SH		SOLE		0	0	15,620
Pepsico Inc	COM	713448108	478	4,788	SH		SOLE		0	0	4,788
Spdr Gold Trust Gold Shares	GOLD SHS	78463V107	297	2,929	SH		SOLE		0	0	2,929
Berkshire Hathaway Inc De Cl B	CL B NEW	084670702	3,216	24,358	SH		SOLE		0	0	24,358
Wells Fargo and Co	COM	949746101	271	4,978	SH		SOLE		0	0	4,978
SPDR Dow Jones Indl Average Etf Ser 1	UT SER 1	78467X109	201	1,154	SH		SOLE		0	0	1,154
Vanguard Index Mid Cap Etf	MID CAP ETF	922908629	651	5,424	SH		SOLE		0	0	5,424
Steelcase Inc Cl A	CL A	858155203	687	46,076	SH		SOLE		0	0	46,076
Phillip Morris International Inc	COM	718172109	1,033	11,751	SH		SOLE		0	0	11,751
Kraft Heinz Co	COM	500754106	402	5,527	SH		SOLE		0	0	5,527
Altria Group Inc	COM	02209S103	1,000	17,171	SH		SOLE		0	0	17,171
DFA Invt Dimensions 2yr Glbl Fixed Incm	COM	233203645	1,486	149,643	SH		SOLE		0	0	149,643
Johnson and Johnson	COM	478160104	421	4,096	SH		SOLE		0	0	4,096
Chevron Corp	COM	166764100	596	6,622	SH		SOLE		0	0	6,622
Vanguard Short Term Infltn Prot ETF	STRM INFPROIDX	922020805	257	5,313	SH		SOLE		0	0	5,313
Vanguard Bond Index Short Term Bd	SHORT TRM BOND	921937827	1,583	19,896	SH		SOLE		0	0	19,896
Monsanto Company	COM	61166W101	277	2,807	SH		SOLE		0	0	2,807
Mondelez International Inc	CL A	609207105	425	9,482	SH		SOLE		0	0	9,482
SPDR SP 500 ETF	TR UNIT	78462F103	2,234	10,957	SH		SOLE		0	0	10,957
Dow Chemical Company	COM	260543103	509	9,879	SH		SOLE		0	0	9,879
iShares SP Midcap 400 Index Fd	CORE S&P MCP ETF	464287507	249	1,788	SH		SOLE		0	0	1,788
iShares SP Smallcap 600 Index Fd	CORE S&P SCP ETF	464287804	301	2,733	SH		SOLE		0	0	2,733
Vanguard Bond Index Total Bd Market	TOTAL BND MRKT	921937835	787	9,750	SH		SOLE		0	0	9,750
Vanguard Total Intl Stock Idx Fund ETF	VG TL INTL STK F	921909768	679	15,053	SH		SOLE		0	0	15,053
iShares Russell Midcap Value Index Fd	RUS MDCP VAL ETF	464287473	517	7,527	SH		SOLE		0	0	7,527
Pfizer Inc	COM	717081103	1,103	34,164	SH		SOLE		0	0	34,164
Full House Resorts Inc	COM	359678109	267	160,000	SH		SOLE		0	0	160,000
Eaton Corp Plc	SHS	G29183103	568	10,915	SH		SOLE		0	0	10,915
iShares Russell Midcap Index Fd	RUS MID-CAP ETF	464287499	409	2,552	SH		SOLE		0	0	2,552
Procter and Gamble Company	COM	742718109	1,634	20,572	SH		SOLE		0	0	20,572
iShares SP 500 Index Fd	CORE S&P500 ETF	464287200	638	3,115	SH		SOLE		0	0	3,115
Kimberly Clark Corp	COM	494368103	834	6,552	SH		SOLE		0	0	6,552
Annaly Capital Management Inc	COM	035710409	135	14,342	SH		SOLE		0	0	14,342
Schlumberger Ltd	COM	806857108	276	3,957	SH		SOLE		0	0	3,957
Precision Castparts Corp	COM	740189105	337	1,452	SH		SOLE		0	0	1,452
iShares SP Midcap Value 400 Index Fd	S&P MC 400VL ET	464287705	222	1,897	SH		SOLE		0	0	1,897
General Mills Inc	COM	370334104	493	8,543	SH		SOLE		0	0	8,543
Barclays Bank Plc Medium Term Note	COM	06738KF71	30	30,000	SH		SOLE		0	0	30,000
Praxair Inc	COM	74005P104	277	2,703	SH		SOLE		0	0	2,703
Caterpillar Inc	COM	149123101	257	3,781	SH		SOLE		0	0	3,781
Bank of America Corp	COM	060505104	188	11,151	SH		SOLE		0	0	11,151
Ametek Inc	COM	031100100	303	5,659	SH		SOLE		0	0	5,659